In today’s market, there is a more room for flexibility and negotiation than ever before. The Loan Modification Experts here will convince the lender of first lien holders to lower the principal amount to the present market value of the home. Example: a homeowner owes $500,000 on their first lien, but the appraised value of the home is $380,000. The Expert will convince the lender to lower the loan amount to $380,000, resulting in a principal reduction of $120,000 for the homeowner. Use this FREE Principal Reduction Wizard to find out if you qualify today. It’s quick, it’s easy, and the more questions you answer – the more accurate your results.